Search found 2455 matches

by MotoTrojan
Sat Nov 17, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: If the market is this high, does it make sense to invest a large sum of money?
Replies: 24
Views: 1352

Re: If the market is this high, does it make sense to invest a large sum of money?

Lump sum every dollar you invest. Why did you have $30K presumably in cash in your Roth? Sounds like you missed on a 6+ years of great returns.
by MotoTrojan
Sat Nov 17, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Should I invest now
Replies: 3
Views: 274

Re: Should I invest now

I want to get rid of my current fee based advisors and invest my retirement savings in Vanguard funds. Is now a good time to do that given where markets are at? I am about 2 years away from retirement, so would keep some money back in cash in case of an immediate market drop You are currently inves...
by MotoTrojan
Sat Nov 17, 2018 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Is it 'Market Timing' (i.e., Bad) to Have an Investment Plan Where You Increase Stock Allocation if Market Declines?
Replies: 5
Views: 435

Re: Is it 'Market Timing' (i.e., Bad) to Have an Investment Plan Where You Increase Stock Allocation if Market Declines?

It’s called rebalancing, you naturally buy more stocks in a downturn. After the crash you’ll be at 100/0; when do you go back to 80/20? Also why are you using a price weighted index of 30 companies. Use PE ratio or something more meaningful on a proper index like the S&P500. Just stick to 80/20. Bon...
by MotoTrojan
Fri Nov 16, 2018 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Can I purchase individual stocks in my Vanguard Rollover IRA?
Replies: 7
Views: 626

Re: Can I purchase individual stocks in my Vanguard Rollover IRA?

Trading fees as noted, also you won't have the option to tax-loss harvest into a different company in the same sector, which some people like to do.
by MotoTrojan
Tue Nov 13, 2018 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Approximate Total Stock Market
Replies: 5
Views: 537

Re: Approximate Total Stock Market

Id frankly just use SP500. Close enough.
by MotoTrojan
Tue Nov 13, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs Equity at a startup
Replies: 15
Views: 1443

Re: Salary vs Equity at a startup

I left a large startup that was buying back my equity for a brand new moonshot company. I biased towards more salary to try and maintain the same income I was making from the previous companies equity, but my new equity would still be 7-figures with any reasonable amount of success (I took half of w...
by MotoTrojan
Tue Nov 13, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: TLH at Schwab- IXUS & VXUS
Replies: 5
Views: 353

Re: TLH at Schwab- IXUS & VXUS

Did this at VG the other day. In my eyes, nowhere near being a wash. Broker definitely won’t flag it either.
by MotoTrojan
Tue Nov 13, 2018 11:02 am
Forum: Investing - Help with Personal Investments
Topic: 401K Retirement Catch Up Year, Maybe???
Replies: 5
Views: 351

Re: 401K Retirement Catch Up Year, Maybe???

opticyellow wrote:
Tue Nov 13, 2018 11:01 am
Might be a stupid question, but does the IRS define calendar year as 1/1/19-12/31/19??
Yes.
by MotoTrojan
Mon Nov 12, 2018 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3004
Views: 589549

Re: What's Your Credit Card Rewards Strategy?

Recently got into churning and found a pretty good deal that isn't super well advertised. Combining the power of the Wells Fargo Propel and Signature cards gets you 4.5% back on dining, gas, and travel, if used through the Signature card's travel portal. Nice sign-up bonuses too. I have the Propel n...
by MotoTrojan
Mon Nov 12, 2018 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Small business (5 employees) 401k - cheapest options
Replies: 14
Views: 966

Re: Small business (5 employees) 401k - cheapest options

niceguy7376 wrote:
Mon Nov 12, 2018 4:44 pm
OP,
Who does your payroll?
Look at guideline for small business 401k.

if you do payroll with Gusto, then the 401k option costs $8/month per participant with $40 minimum with a $500 setup and both payroll and 401k is integrated.
+1 for guideline. Vanguard funds at cost plus a little DFA.
by MotoTrojan
Mon Nov 12, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Should we drop our manager, for 4-fund portfolio?
Replies: 49
Views: 4162

Re: Should we drop our manager, for 4-fund portfolio?

REITs in taxable...? You aren’t getting your monies worth. I’d setup your own tax-efficient and simplified portfolio over time, to avoid any large near-term tax hits.
by MotoTrojan
Sun Nov 11, 2018 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: no 401K future employment
Replies: 3
Views: 388

Re: no 401K future employment

Hi, I am planning to move to a new hospital employer. I currently max out on 401K with 10% employer contribution of my base salary. We also maximally contribute to backdoor Roth and invest in taxable account. My total gross income should be up by close to 50% initially with potential for more subse...
by MotoTrojan
Fri Nov 09, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: Take taxes into account when rebalancing?
Replies: 44
Views: 2236

Re: Take taxes into account when rebalancing?

Do you expect to pay your marginal tax rate on your 401k/IRA pre-tax savings? Ideally you would not. I've toyed with this but I ignore it, especially given that I am 100% equity so the expected growth of different assets isn't huge. I also keep a balance naturally in my various accounts, except I pr...
by MotoTrojan
Thu Nov 08, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: difference going long on a leveraged etf and short on its inverse?
Replies: 14
Views: 967

Re: difference going long on a leveraged etf and short on its inverse?

Also you are not getting the expense ratio paid to you so no shorting a high ER fund isn’t helping. Whoever holds the share is paying that ER. An inverse s and p leveraged fund. With a high ER of 2% I assume it will just be 2% lower in price after a year. Since I'm shorting that stock I can buy it ...
by MotoTrojan
Thu Nov 08, 2018 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: I made a wash sale, can I fix it?
Replies: 5
Views: 663

Re: I made a wash sale, can I fix it?

You can sell the replacement shares today. +1 Sell the shares purchased today and buy something that is not substantially identical (perhaps a Total International fund?). You still will have a wash sale, but the effects may be mitigated if the share price does not change much between today and when...
by MotoTrojan
Thu Nov 08, 2018 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Nervous Investor desiring dividend income
Replies: 7
Views: 724

Re: Nervous Investor desiring dividend income

Research before buying any individual stocks. Take a close look at GE; yikes, enjoy that 1c dividend. In short, dividends aren’t magic money. I’d suggest a fund-of-finds such as a Lifestrategy or Target retirement product. If you want more tax-efficiency then build your own 3-fund to fine tune bond ...
by MotoTrojan
Thu Nov 08, 2018 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Help - Expect to inherit relatively large sum
Replies: 12
Views: 2142

Re: Help - Expect to inherit relatively large sum

Sorry for your loss. Your basis will be stepped up in taxable, thus I would suggest you sell everything in both accounts as soon as you receive them. No need to maintain the potentially inefficient allocation you inherit.
by MotoTrojan
Thu Nov 08, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Panic set in... now what?
Replies: 63
Views: 10929

Re: Panic set in... now what?

Once I’ve reached my goal, I will not own stock/equity Until I do, aggressive allocation with 50% of my take home pay invested monthly - should work out in 20 years If it doesn’t, we have bigger problems in this work than asset allocation Very interested to hear more. Are you planning to work/save/...
by MotoTrojan
Thu Nov 08, 2018 10:27 am
Forum: Investing - Help with Personal Investments
Topic: difference going long on a leveraged etf and short on its inverse?
Replies: 14
Views: 967

Re: difference going long on a leveraged etf and short on its inverse?

Also you are not getting the expense ratio paid to you so no shorting a high ER fund isn’t helping. Whoever holds the share is paying that ER.
by MotoTrojan
Wed Nov 07, 2018 7:04 pm
Forum: Personal Consumer Issues
Topic: College graduation gift amount
Replies: 25
Views: 1778

Re: College graduation gift amount

What is a typical cash gift for your child's BS? Thanks in advance! I agree if you paid for college or supported that a cash gift may not make that much sense. Maybe a trip or other experience to help them kick off their independence. If you were well-to-do and wanted to support them in general, an...
by MotoTrojan
Wed Nov 07, 2018 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Employer 401k lackluster options
Replies: 10
Views: 526

Re: Employer 401k lackluster options

3-fund is right there for you. Why no international?
by MotoTrojan
Tue Nov 06, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: Need ideas for unusual gifts for preteen boy
Replies: 27
Views: 1680

Re: Need ideas for unusual gifts for preteen boy

I agree with the idea to gift a trip or something to be utilized together. Some of my best memories with my father fell into this category, although it was I that picked the gift. Also anything that can boost their interest in an applicable field to their career is always good. My father set the sta...
by MotoTrojan
Tue Nov 06, 2018 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Never thought of living in Bay Area but just got a call from Tesla
Replies: 72
Views: 7438

Re: Never thought of living in Bay Area but just got a call from Tesla

Work-life balance will be a big risk. Financial compensation would have to be enough that 2-3 years working there and then returning to your old home/job-type would be worthwhile, along with the experience. I don't consider this a stock-option lottery; they are not a start-up anymore so I would just...
by MotoTrojan
Tue Nov 06, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: Investments with zero yield
Replies: 41
Views: 3490

Re: Investments with zero yield

https://www.bogleheads.org/forum/viewtopic.php?t=169573 There are accumulating funds in Europe; I have always wondered why no such products exist in the US. Not only would some advanced investors such as this group prefer them, but the less advanced ones would be drawn to their market destroying re...
by MotoTrojan
Tue Nov 06, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Too Mid Cap Heavy in My Small Cap Funds--Best Alternative
Replies: 16
Views: 1176

Re: Too Mid Cap Heavy in My Small Cap Funds--Best Alternative

Trading volume for VIOO is too thin, IJR is much more liquid. When facing this question I opted for IJR. Trading volume is not an indicator of liquidity for index ETFs. The lower cost of IJR is a good reason to choose it: average daily volume is not. This thread is kind of winding, but it covers th...
by MotoTrojan
Tue Nov 06, 2018 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Percentage of small-caps in an aggressive portfolio
Replies: 17
Views: 920

Re: Percentage of small-caps in an aggressive portfolio

55% Total US, 20% S&P600 Value here. Rest is International without a tilt but domestically that’s a decent sized one.
by MotoTrojan
Tue Nov 06, 2018 1:02 am
Forum: Investing - Help with Personal Investments
Topic: Too Mid Cap Heavy in My Small Cap Funds--Best Alternative
Replies: 16
Views: 1176

Re: Too Mid Cap Heavy in My Small Cap Funds--Best Alternative

Trading volume for VIOO is too thin, IJR is much more liquid. When facing this question I opted for IJR. Trading volume is not an indicator of liquidity for index ETFs. The lower cost of IJR is a good reason to choose it: average daily volume is not. This thread is kind of winding, but it covers th...
by MotoTrojan
Tue Nov 06, 2018 12:55 am
Forum: Investing - Theory, News & General
Topic: Investments with zero yield
Replies: 41
Views: 3490

Re: Investments with zero yield

https://www.bogleheads.org/forum/viewtopic.php?t=169573 There are accumulating funds in Europe; I have always wondered why no such products exist in the US. Not only would some advanced investors such as this group prefer them, but the less advanced ones would be drawn to their market destroying ret...
by MotoTrojan
Tue Nov 06, 2018 12:44 am
Forum: Investing - Help with Personal Investments
Topic: Uniform Gift to Minor-How to Invest
Replies: 5
Views: 466

Re: Uniform Gift to Minor-How to Invest

In this craptastic tech market? I'd say no if it was my son. Even if you like the current tech heavy market I'd still convert it to a good Life Strategy/Target Date type of fund for simplicity and get him socking money into it. At his age he needs to not think about it at all and just save money/ A...
by MotoTrojan
Tue Nov 06, 2018 12:43 am
Forum: Investing - Help with Personal Investments
Topic: 401K Allocation % - Target Date 2040 Fund vs Custom selection
Replies: 6
Views: 762

Re: 401K Allocation % - Target Date 2040 Fund vs Custom selection

Hi Duckie, Thanks for the reply and suggestions. My 401K TRP2040 plan expense ratios are 0.38% gross. Another question is my employer matches 100% at 3% contribution, 50% match on 4% and 5% contribution. So essentially 4% at 100% match. I am currently contributing 7% to 401K and just set a ROTH IRA...
by MotoTrojan
Mon Nov 05, 2018 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: asset allocation for a relative's 5K IRA
Replies: 15
Views: 693

Re: asset allocation for a relative's 5K IRA

I’d use a self balancing fund of funds such as Target Retirement or Lifestrategy.
by MotoTrojan
Mon Nov 05, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Where to build a 'payoff the mortgage' fund?
Replies: 13
Views: 1951

Re: Where to build a 'payoff the mortgage' fund?

[...] The next question I have is - what rate of return would I have to realize on the VTSAX (taxable) to equal the 4.75% mortgage - what's the breakeven point assuming 24% tax bracket? [...] Unless I'm missing something, the answer is 4.75%. Assuming you can deduct the mortgage interest in its ent...
by MotoTrojan
Sun Nov 04, 2018 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Panic set in... now what?
Replies: 63
Views: 10929

Re: Panic set in... now what?

Once I’ve reached my goal, I will not own stock/equity Until I do, aggressive allocation with 50% of my take home pay invested monthly - should work out in 20 years If it doesn’t, we have bigger problems in this work than asset allocation Very interested to hear more. Are you planning to work/save/...
by MotoTrojan
Sun Nov 04, 2018 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Utah 529 Allocation - Small; Value Tilt
Replies: 3
Views: 363

Re: Utah 529 Allocation - Small; Value Tilt

A 17-20 year span before full withdrawal would be too short for me to be comfortable tilting this much or at all, and I hold a decent bit of small-value. Could work, could not. If it were me I’d hold total market and use equity allocation vs bonds to adjust my risk.
by MotoTrojan
Sun Nov 04, 2018 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Discount Tire Credit Card - Worth Doing or Overall Foolish?
Replies: 47
Views: 2964

Re: Discount Tire Credit Card - Worth Doing or Overall Foolish?

:confused But I see the people who say you should go chase the credit card openings game. The thing is, I could do that anyway if I wanted to and I have plenty of normal spending beyond these tires. This ^^^. I spend enough on my credit cards (including monthly insurance payment, electric and gas b...
by MotoTrojan
Sun Nov 04, 2018 2:24 pm
Forum: Investing - Theory, News & General
Topic: Yield in bond funds
Replies: 2
Views: 437

Re: Yeld in bond funds

Can somebody explain how bond funds dividends get calculated? Fidelity index bond fund has yeld 3.35%, paid 0.0226 dividends and share price $11.06. 11.06 * 0.0035 = 0.038 Apparently this is not the way how it calculates. So, what 3.35% really mean? Bond price is ever changing, as is the makeup of ...
by MotoTrojan
Sun Nov 04, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Where can I put savings to live on for 2+ years?
Replies: 11
Views: 1620

Re: Where can I put savings to live on for 2+ years?

Do you plan to do Roth conversions at some point? Taking funds out of your IRAs & 401s now may keep you in a lower tax bracket at age 70. I would also suggest you consider this. Otherwise you’re likely wasting valuable 0% tax-bracket space. You could also withdraw some of your 401k tax-free but if ...
by MotoTrojan
Sun Nov 04, 2018 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Panic set in... now what?
Replies: 63
Views: 10929

Re: Panic set in... now what?

Once I’ve reached my goal, I will not own stock/equity Until I do, aggressive allocation with 50% of my take home pay invested monthly - should work out in 20 years If it doesn’t, we have bigger problems in this work than asset allocation Very interested to hear more. Are you planning to work/save/...
by MotoTrojan
Sun Nov 04, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching kids there is an ample amount of money
Replies: 108
Views: 7960

Re: Teaching kids there is ample amount of money

I don't want my kids to think there is an ample amount of money from Mom and Dad, but there is an ample amount of money in the world for blessed people who have solid values. I think it would especially hit home on a family trip to a 3rd world country and seeing people living in shacks. you might w...
by MotoTrojan
Sun Nov 04, 2018 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for Fidelity managed mutual fund ideas
Replies: 11
Views: 624

Re: Looking for Fidelity managed mutual fund ideas

Whatever you do I would hold it in tax-advantaged so you can get out if/when you choose, and no need to worry about distributions.
by MotoTrojan
Sun Nov 04, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Discount Tire Credit Card - Worth Doing or Overall Foolish?
Replies: 47
Views: 2964

Re: Discount Tire Credit Card - Worth Doing or Overall Foolish?

:confused But I see the people who say you should go chase the credit card openings game. The thing is, I could do that anyway if I wanted to and I have plenty of normal spending beyond these tires. This ^^^. I spend enough on my credit cards (including monthly insurance payment, electric and gas bi...
by MotoTrojan
Sun Nov 04, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Discount Tire Credit Card - Worth Doing or Overall Foolish?
Replies: 47
Views: 2964

Re: Discount Tire Credit Card - Worth Doing or Overall Foolish?

Why not open a card that gives you $500-$600 instead of one for $100? You could get your tires for almost free that way. Agreed, and may find one with better rewards to make it your new primary card. Plenty of free cards offer $300+ and many have $500-600 as noted with a waived first year fee. I’m ...
by MotoTrojan
Sat Nov 03, 2018 2:20 pm
Forum: Investing - Theory, News & General
Topic: Debunking Bonds in Taxable
Replies: 99
Views: 10392

Re: Debunking Bonds in Taxable

michaeljc70 wrote:
Mon Oct 08, 2018 3:11 pm
One scenario I can envision where bonds in taxable is beneficial is:

-The market is in a downturn so you don't want to sell stocks from taxable accounts
Sell equities in taxable (if at a loss, even better tax-wise), buy equities and sell bonds in tax-advantaged. What did you "really" sell?
by MotoTrojan
Fri Nov 02, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: no dividends in index funds!
Replies: 95
Views: 9280

Re: no dividends in index funds!

So since you are taxed on dividends anyway, if you need to withdrawal retirement money doesn't it make sense to take the dividends instead of reinvesting since they are going to be taxed that year regardless of what you do with them? Then if you need more than what the dividends provide you would s...
by MotoTrojan
Fri Nov 02, 2018 5:22 pm
Forum: Investing - Theory, News & General
Topic: When do YOU pull the trigger for TLH? [Tax Loss Harvesting]
Replies: 48
Views: 3102

Re: When do YOU pull the trigger for TLH? [Tax Loss Harvesting]

Rarely, if ever, do I recommend TLH. If you think about it, all you’re doing is reducing your basis. So you’re really just kicking the can down the road, because when you sell that asset in the future, you’ll have a higher gain, and wind up paying back all that money that you thought you saved. The...
by MotoTrojan
Fri Nov 02, 2018 5:19 pm
Forum: Investing - Theory, News & General
Topic: no dividends in index funds!
Replies: 95
Views: 9280

Re: no dividends in index funds!

I wanted the quarterly dividends like I used to get with the blue chip stocks. It would just be additional income, often just at the right times. It was great to get a quarterly $800.00 dividend check. With the Index Funds I am lucky to get $300.00 quarterly for dividends.... Simply withdraw the ex...
by MotoTrojan
Fri Nov 02, 2018 3:37 pm
Forum: Investing - Theory, News & General
Topic: When do YOU pull the trigger for TLH? [Tax Loss Harvesting]
Replies: 48
Views: 3102

Re: When do YOU pull the trigger for TLH? [Tax Loss Harvesting]

Rarely, if ever, do I recommend TLH. If you think about it, all you’re doing is reducing your basis. So you’re really just kicking the can down the road, because when you sell that asset in the future, you’ll have a higher gain, and wind up paying back all that money that you thought you saved. The...
by MotoTrojan
Fri Nov 02, 2018 3:32 pm
Forum: Investing - Theory, News & General
Topic: Bonds -- am I missing something?
Replies: 6
Views: 719

Re: Bonds -- am I missing something?

Rising interest rates are great for future bonds. They are terrible for existing bonds. Thanks aristotelian. But they're terrible only if I plan on selling, right? If I keep them, I'm just reaping the harvest of higher yields, no? The yield is higher relative to the now lower bond price, so any bon...
by MotoTrojan
Fri Nov 02, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Engineering school
Replies: 66
Views: 4844

Re: Engineering school

When you buy real-estate, you hear people say it is all about "location-location-location". When it comes to engineering schools, unless they are in top 10, Iocation makes a super huge difference with your job prospects. For e.g., computer science in unranked San Jose State Univeristy is a LOT bett...
by MotoTrojan
Thu Nov 01, 2018 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale and 30 days
Replies: 6
Views: 530

Re: Wash sale and 30 days

Hi all, I want to TLH some of my VTSAX stocks. The last dividends were paid the 10/30. So If I TLH tomorrow, 11/02, I suppose I'm all good, am I right? Thanks 10/30 was this week so I think you have your dates wrong, but assuming those dividends were also a loss and were sold too, then the wash sal...